Job Description
Credit Officer’s role is to facilitate the lending to our customers by assessing their creditworthiness and processing of relevant paperwork. Credit Officer’s responsibilities include preparing loan applications, evaluating clients’ financial information and calculating risk ratios. He should have a good understanding of lending procedures and customer service experience.
Reports to
Deputy Branch Manager
Responsibility
- Review loan requests
- Assess customers’ financial status
- Evaluate creditworthiness and risks
- Contact customers to gather financial data and documentation
- Prepare loan applications
- Calculate financial ratios (e.g. credit scores and interest rates)
- Collect repayment from customers, if necessary
- Maintain updated records of loan applications
- Follow up with customers about loan renewals
- Monitor progress of existing loans
- Maintain a good relationship with business partners and local authorities
- Participate in the sales campaign
Job Qualifications
- Proven work experience as a Credit Officer or similar role
- Understanding lending procedures and products
- Ability to create and process financial spreadsheets
- Strong analytical skills
- Customer service knowledge
- Fresh Graduate or Student year 1 up of Degree in Banking and Finance, Economics or related field
Benefits
- Competitive Salary and Annual increment
- Monthly Variable Pay/Incentive
- Annual Performance Bonus
- Seniority Pay
- Health and Accident (24h) Insurance
- Health Insurance for family (Spouse and Children)
- Uniform
- Staff Loan
- Local and Overseas Incentive Trips
- Internal and External Training and Other benefits
